{"license":"CC BY 4.0（https://creativecommons.org/licenses/by/4.0/deed.zh-hant）","attribution":"台灣支付優惠站 https://pay.elggum.com","disclaimer_zh":"本資料整理自銀行與支付業者公開資訊，可能有誤或已變更，實際回饋以各機構公告為準。謹慎理財 信用至上。","data_date":"2026-10-20","card":{"id":"kgi-more-buy","issuer_id":"bank-kgi","name_zh":"凱基魔BUY 卡","product_type":"credit","networks":[],"card_level_zh":"悠遊鈦金卡","tags":["cashback","mobile_pay"],"card_page_url":"https://www.kgibank.com.tw/zh-tw/personal/credit-card/list/more-buy-credit-card","apply_url":"https://www.kgibank.com.tw/zh-tw/personal/credit-card/list/more-buy-credit-card","image":"/cards-img/kgi-more-buy.webp","image_source":"https://www.kgibank.com.tw/zh-tw/-/media/images/kgib/personal/0004-credit-card-detail/02/credit-card-listing-02---desktop/0004-02_hero_banner_desktop_pad.png","image_fetched_at":"2026-10-20","reward":{"kind":"points","unit_zh":"現金點","point_value_twd":1,"point_value_note_zh":"官網寫現金點 1 點 = 1 元，500 點可換 500 元刷卡金。","delivery_zh":"依凱基現金點辦法。","expiry_zh":"依凱基現金點辦法。","source_ids":["src-kgi-morebuy"]},"annual_fee":{"min_twd":null,"max_twd":null,"first_year_free":null,"waiver_zh":"申辦電子帳單且持續使用即減免年費（2026 年）；官網另寫魔BUY 鈦金卡享免年費優惠。","confidence":"verified_2src","source_ids":["src-kgi-morebuy","src-lazymoney-kgi-more-buy"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"kgi-more-buy@2026","period_kind":"custom","period_label":"2026","valid_from":"2026-01-01","valid_to":"2026-12-31","next_period_announced":false,"status":"active","recorded_at":"2026-10-19","verified_at":"2026-10-19","confidence":"verified_2src","source_ids":["src-kgi-morebuy"],"corroborating_source_ids":["src-lazymoney-kgi-more-buy"],"notes_zh":"行動支付加碼要每月登錄，而且當月用行動支付的國內一般消費要累積滿 3,000 元。","rules":[{"id":"base","label_zh":"國內一般消費","scope":"general_domestic","rate_bp":70,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外消費（含國外網站）","scope":"general_overseas","rate_bp":200,"incremental":false,"cap_period":"none"},{"id":"mpay","label_zh":"行動支付國內消費加碼 3.3%","scope":"wallet","domestic_only":true,"payment_methods":["apple_pay","google_pay","line_pay","jkopay","pi_wallet","easywallet","opay","gama_pay","icash_pay","pluspay","pxpay_plus"],"rate_bp":330,"incremental":true,"min_monthly_spend_twd":3000,"cap_amount_twd":300,"cap_period":"month","cap_scope":"kgi-mpay","requires_registration":true,"conditions_zh":"每月登錄；門檻是當月行動支付國內一般消費合計滿 3,000 元。","cap_twd_max":300,"max_spend_twd":9090}],"exclusions":[{"id":"x-general-def","label_zh":"非一般消費項目（依凱基官網公告）","category_ids":["tax"],"source_id":"src-kgi-morebuy"}]}]},"current_version_id":"kgi-more-buy@2026","issuer":{"id":"bank-kgi","name_zh":"凱基商業銀行"},"promos":[],"sources":[{"id":"src-kgi-morebuy","url":"https://www.kgibank.com.tw/zh-tw/personal/credit-card/list/more-buy-credit-card","title_zh":"魔BUY 卡 卡片頁","publisher":"凱基銀行","kind":"official","fetched_at":"2026-10-19T19:45+08:00","sha256":"8fec32e0344ba0bd01423b373b8cfbd0b68dea05fb5931e6bbae2cede647837d"},{"id":"src-lazymoney-kgi-more-buy","url":"https://lazymoney.tw/credit-cards/card/kgi-more-buy","title_zh":"凱基魔BUY 卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T19:45+08:00","sha256":"f9639a25749d2c8b0a7bca8d7505a0f42f7af469b37049fece73fcee39479b62"}]}